- The Mid Market and Supply Chain function is responsible for ficing the shortterm, mediumterm, and longterm working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.
- The key business metrics for success include loan book size, profitability, and a zerotolerance approach to delinquency.
- A robust understanding of business fice, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge.
- Deep knowledge of local market dynamics including specific occupations/trades, industries, and local ficial and investment preferences is critical for structuring loans effectively and identifying new business opportunities.
- Expand market share in targeted locations and outpace competition.
- Continuously upgrade ficial acumen, including knowledge of loan structuring methods and business ficials, to build trust and credibility with customers.
- Stay informed about recent market trends and evolving local market preferences to align with customer needs.
- Ensure strong credit quality by conducting effective portfolio selection and prescreening to minimize the risk of nonperforming assets (NPAs).
- Safeguard ficed amounts by conducting postsanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the ficing.
Key Responsibilities:
1. Sales Growth Achieve sales targets through the following actions:
- Drive pipeline funnel to achieve book size and market share.
- Monitor local market trends and competitive offerings,
identifying opportunities for business expansion in the region.
- Ensure minimal client attrition through strong client engagement activities.
- Regularly engage with investment bankers, chartered accountants, and brokers to source new business.
- Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for collection dues.
- Track key accounts in the portfolio for business health and early warning signs of NPAs.
2. Client Acquisition & Relationship Management
- Acquisition of new clients by identifying potential leads and conversion strategies.
- Increase area business volume through strong crossselling initiatives and innovative product offerings.
- Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts.
- Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers.
3. Disbursal Timely Loan Disbursement with Proper Documentation
- Coordinating with internal stakeholders to process loan applications.
- Responding to queries from internal teams to ensure timely and accurate disbursal.
- Completing transactions with customers with the appropriate documentation.
4. Market Intelligence
- Gather market intelligence on competitive strategies, policies, and processes regularly.
- Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.
5. Portfolio Quality & Profitability
- Track overdue accounts daily for the business and ensure timely collections.
- Intervene to ensure collection on initial overdue accounts in a timely manner.
- Ensure profitability by applying appropriate pricing strategies and processing fees.
Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.
📌 Senior Relationship Manager (Tamil Nadu)
🏢 Aditya Birla Insulators
📍 Tamil Nadu
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